by our College Data Analytics TeamBelow is federal data on the loans students use to pay for Palm Beach State College, including completion-adjusted borrowing and a standard repayment estimate. The data below is drawn directly from federal sources.
Looking at the entering class at Palm Beach State College, 11% of incoming students take out a loan to help cover first-year costs, at roughly $4,495 per student, private and federal loans combined.
The average federal loan is $4,495, equal to roughly 81.7% of the $5,500 cap on first-year federal borrowing for the typical dependent student. Note that average undergraduate loan amounts shown later do not include private loans — so the full freshman figure above is not directly comparable.
Counting every undergraduate at Palm Beach State College, 13% rely on federal student loans toward their education, borrowing on average $5,550 in federal loans per year. That amounts to 23.5% above the $4,495 freshmen take on.
Carrying that yearly figure forward comes to roughly $11,100 in two years and roughly $22,200 over a four-year span. This projection keeps yearly federal borrowing flat and excludes private and Parent PLUS loans.
| Undergraduate federal borrowing | Value |
|---|---|
| Share using federal loans | 13% |
| Average federal loan per year | $5,550 |
| Undergraduates with a federal loan | 2,669 |
| Total federal loans (one year) | $14,814,198 |
Graduating and withdrawing students at Palm Beach State College carry a median federal debt of $5,061 of cumulative federal debt.
| Borrower group | Median federal debt |
|---|---|
| All federal borrowers | $5,061 |
| Students who completed (graduates) | $7,081 |
| Students who withdrew | $4,086 |
Debt carried by students who withdrew is a key risk signal — these borrowers owe money without having earned the credential.
Half of all borrowers fall between the 25th and 75th percentiles shown below for Palm Beach State College.
| Percentile | Cumulative Federal Debt |
|---|---|
| 10th percentile (lowest-debt students) | $1,409 |
| 25th percentile | $2,124 |
| 75th percentile | $8,004 |
| 90th percentile (highest-debt students) | $17,175 |
How wide this percentile range is tells you how much borrowing varies across students at Palm Beach State College.
PLUS loans — taken out by parents or graduate students — add to the total cost of attendance financed by debt at Palm Beach State College.
| Group | Borrowers | Median debt incl. PLUS |
|---|---|---|
| All borrowers | 1268 | $10,000 |
| Completed (graduates) | 404 | $9,450 |
| Did not complete | 864 | $10,186 |
For students who completed, the median total debt including PLUS loans works out to a standard 10-year payment of about $112.37/mo.
The split below distinguishes Stafford borrowers from non-Stafford borrowers at Palm Beach State College.
Borrowers With Any Stafford Loan
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Used a Stafford loan | 1220 | $10,000 |
| No Stafford loan | 48 | $8,358 |
Stafford This Year vs Not
| Cohort | Borrowers | Median debt incl. PLUS |
|---|---|---|
| Stafford loan this year | 265 | $8,955 |
| No Stafford loan this year | 1003 | $10,268 |
Repayment burden translates the debt figures into what a borrower actually pays each month. Palm Beach State College.
A loan default — failing to keep up with federal student-loan payments — is one of the worst financial outcomes a borrower can face. The federal two-year cohort default rate for Palm Beach State College follows.
| Metric | Value |
|---|---|
| 2-year cohort default rate | 13.5% |
| Borrowers in the cohort | 1664 |
A lower default rate generally signals that graduates earn enough to manage their loan payments.
Borrowing varies by family income, by first-generation status, and by dependency status.
Median Debt by Income Bracket
| Income tier | Median federal debt |
|---|---|
| Low income | $5,500 |
| Middle income | $4,500 |
| High income | $4,500 |
First-Gen vs Continuing-Gen Borrowing
| Cohort | Median federal debt |
|---|---|
| First-generation students | $5,066 |
| Continuing-generation students | $5,000 |
Dependency-Status Comparison
| Cohort | Median federal debt |
|---|---|
| Dependent students | $4,500 |
| Independent students | $6,750 |
The Department of Education computes gap indicators that show how borrowing differs between student groups at Palm Beach State College.
Subsidized and Unsubsidized Loans
With an unsubsidized loan, interest starts adding up the day the loan is disbursed, including during school. Subsidized loans, by contrast, do not accrue interest while you are enrolled at least half-time, which makes them the less expensive option when you qualify.
Did You Know?
Federal student loans are not discharged in bankruptcy in all but the rarest cases, and the government can withhold part of your income or tax refund if you default.
References
More about our data sources and methodologies.